When you sign up for PayPal, we ask you to link your bank account, debit card, or credit card so that your payments can be funded. This information is never shared with retailers. In fact, it's securely protected by data encryption technology, reducing the risk of online fraud and identity theft.

Your PayPal account is protected by the latest anti-fraud technology and a dedicated team of specialists working round-the-clock against the bad guys. We constantly monitor PayPal transactions for suspicious activity and alert our customers as soon as a problem is detected. We also share safety tips and fraud-fighting tools like our Safe Password Checker.

When you pay using PayPal, our Purchase Protection coverage is included at no extra cost. We offer buyers $0 Liability for Unauthorized Purchases (See Eligibility), refunds for incorrect orders or items that never arrive, and a convenient process for resolving problems.

Millions of people use PayPal to accept payments for items they sell on eBay and their websites. If you are a US PayPal account holder and your transaction is deemed eligible, PayPal will cover you in the event of an unauthorized purchase, an "item not received" claim, or a reversal. See Eligibility.

Our Seller Protection program also helps cover you for eligible sales when you follow the common sense tips and requirements. It's usually as easy as shipping to the right address and saving a few shipping documents to take advantage of this built-in benefit.Learn More about Seller Protection

PayPal stores all your financial information so that when you need to pay your friends back for dinner, you can just use your mobile phone to send them money. No need to write a check or go to the ATM.

Turn your PayPal account into an easy-to-monitor spending account by adding money to your PayPal balance. You can increase your PayPal balance by transferring funds from your bank account, adding money via MoneyPak, or receiving money from friends and family. If you have enough money in your PayPal balance to cover the payment, then PayPal will use this money first for your payment.

PayPal Extras MasterCard®: Use your PayPal Extras MasterCard to get 2x points for all your PayPal and eBay purchases. You can redeem points for gift cards, merchandise, travel deals, or cash back as a credit into your PayPal balance.

Bill Me Later®, a PayPal service: Use Bill Me Later financing to get up to six months to pay. It takes just seconds to use when you check out with PayPal. Bill Me Later's flexible financing empowers you to buy what you need, when you need it.

*Use cash to buy a MoneyPak card to fund your PayPal account. Available in the US only. Usage of this service is subject to identity verification and other controls. This service is being provided by a registered Money Services Business.